How much do lenders finance for a Gold Star Chili franchise?

The median SBA loan approved for a Gold Star Chili franchise is $273,000, with the middle 80% of loans between $25,000 and $906,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Gold Star Chili franchises?

By dollars approved, the most active SBA lenders for Gold Star Chili have been U.S. Bank, First Merchants Bank, First Commonwealth Bank, BankUnited. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Gold Star Chili SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Gold Star Chili franchise

SBA lenders have approved 20 loans against the Gold Star Chili brand since FY2010, totalling $7.8M. The median approval was $273,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#965

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$273,000

Typical range

$25K-$906K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Gold Star Chili

Lender	Loans	Approved
U.S. Bank	5	$2.6M
First Merchants Bank	3	$1.6M
First Commonwealth Bank	2	$1.4M
BankUnited	1	$819K
JPMorgan Chase Bank	2	$647K
Fifth Third Bank	2	$295K
The Huntington National Bank	3	$174K
Alloy Development Co., Inc.	1	$167K

Geography

Where Gold Star Chili units were financed

State	Loans	Share
Ohio	11
Kentucky	9

Approvals by fiscal year

’11

’13

’14

’15

’16

’17

’19

’20

’22

’23

’25

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
15%
$50K - $150K
15%
$150K - $350K
30%
$350K - $1M
35%
$1M - $2M
5%

Financing a Gold Star Chili: common questions

How much do lenders finance for a Gold Star Chili franchise?: The median SBA loan approved for a Gold Star Chili franchise is $273,000, with the middle 80% of loans between $25,000 and $906,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Gold Star Chili franchises?: By dollars approved, the most active SBA lenders for Gold Star Chili have been U.S. Bank, First Merchants Bank, First Commonwealth Bank, BankUnited. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Gold Star Chili SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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